Theoretical and regulatory approaches to the definition of banking ecosystems

The purpose of the work is to consider theoretical and regulatory approaches to the definition of a new concept for the Russian financial system «banking ecosystem». In the course of the study, the methods of retrospective analysis, formalization and systematization, the formal legal method, and the method of studying documents were used. The article explores theoretical approaches to the definition of the concept of «banking ecosystem», taking into account differences in the definition of the composition of the subjects participating in it, the components of its technological infrastructure, special rules for the application of digital technologies, services and products in its construction. In the course of the analysis of approaches to the legal regulation of banking ecosystems in the Russian Federation, it was found that it includes both general and special regulatory regulation. A separate place is occupied by self-regulation regarding competition, personal data and consumer protection of banking ecosystems. The significance of the work lies in the fact that it can contribute to the subsequent harmonization of the terminological base for building ecosystems of banks in the Russian Federation.